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ZIP Code 40046

Spencer, Kentucky

FIPS 40046

Juniper

ZIP Code 40046 is in the bottom 34% nationally for FEMA risk score. It also sits in the bottom 38% nationally for price-to-income ratio.

Median Home Value

$221,000

Near the U.S. ZIP codes median

FEMA Risk Score

77.5

Higher than 66% of U.S. ZIP codes

The basics

Total Population

1,122

Median Age

44.3

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$221,000

Near median

Median Property Tax

$1,060

Effective Tax Rate

0%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.35

Higher than 62%

Home prices & appreciation

Ranked against U.S. ZIP codes.

Pandemic Gain %

48%

Recession Drop %

-5.7%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

88.8

Winter Avg Low (°F)

24.6

Avg Temperature (°F)

55.9

Hot Days/yr (>90°F)

61.3

Freezing Days/yr (<32°F)

108.6

Annual Precipitation (in)

52.5

Annual Snowfall (in)

11.9

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

77.5

Higher than 66%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 40046: frequently asked questions

What is the median home value in ZIP Code 40046?
The median home value in ZIP Code 40046 is $221,000, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 40046?
The median annual property tax in ZIP Code 40046 is $1,060, an effective rate of 0% of home value.
Is ZIP Code 40046 expensive to live in?
Homes in ZIP Code 40046 cost about 3.35× the median household income, higher than 62% of U.S. ZIP codes.
What is the weather like in ZIP Code 40046?
ZIP Code 40046 averages 55.9°F year-round, summer highs near 88.8°F, winter lows around 24.6°F (NOAA 1991–2020 normals). It sees about 11.9 inches of snow a year.
Is ZIP Code 40046 at risk of flooding or natural disasters?
ZIP Code 40046's FEMA National Risk Index score is 77.5 (higher than 66% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →